For 2026, the FHA loan ceiling in Union-City, located in Randolph, IN, is $356,362 for a single-family dwelling. For two-unit residences, it stands at $456,275, rising to $551,500 for three-unit buildings, and $685,400 for properties with four units.
Conventional loan caps are $548,250 for a single-family home, increasing to $702,000 for two-unit homes, $848,500 for three units, and reaching $1,054,500 for four units.
Utilize our FHA calculator to view the optimal FHA rates for today and discover the necessary downpayment, income, credit, reserves, and documentation needed for loan qualification.
The Lendersa® calculator facilitates a comparison of FHA rates and terms with those of other loan programs. Delve into conventional loans, jumbo options, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® sources data from thousands of lenders to rapidly match it against your distinct financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Union-City, Randolph, IN, which juxtaposes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Evaluating qualification criteria like income, reserves, and credit is simplified using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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